BlastPoint's Credit Union Scorecard
TVA COMMUNITY CREDIT UNION
Charter #68559 · AL
TVA COMMUNITY CREDIT UNION has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.4% in tier
- + Organic Growth Leader: Top 29.5% in tier
- + Profitability Leader: Top 80.2% in tier
- + Credit Quality Leader: Top 85.8% in tier
- + ROA 0.42% above tier average
- + Net Worth Ratio: Top 4.5% in tier
- + Efficiency Ratio: Top 9.3% in tier
- + Total Deposits: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 9.0% in tier
- - Margin Compression: Bottom 12.9% in tier
- - Liquidity Overhang: Bottom 14.3% in tier
- - Flatlined Growth: Bottom 19.4% in tier
- - Loan-to-Share Ratio: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,921
+0.8% YoY+0.4% QoQ
|
+4.3K |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$405.3M
+1.1% YoY-0.9% QoQ
|
+$174.0M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
Top 10.3% in tier |
| Loans |
$155.0M
+4.1% YoY+4.8% QoQ
|
+$7.2M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$354.5M
+0.3% YoY-2.3% QoQ
|
+$154.2M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 9.5% in tier |
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| ROA |
1.2%
-13.6% YoY+8.0% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
79% |
| NIM |
2.7%
+6.1% YoY+3.2% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
60.8%
+11.5% YoY-2.2% QoQ
|
-16.5% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
0.3%
-36.6% YoY+37.9% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
43.7%
+3.8% YoY+7.3% QoQ
|
-29.0% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.3% in tier |
| AMR |
$25,576
+0.6% YoY-0.6% QoQ
|
+$1K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
27.4%
-0.1% YoY-0.8% QoQ
|
+3.0% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.6%
-21.9% YoY-10.4% QoQ
|
-10.3% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)